Wednesday, 24 October 2018

Getting organised for your car loan

{Post in conjunction with Positive Lending Solutions}
Being organised is always a good thing – it can speed up processes and make things flow far more smoothly than they otherwise would. Getting a car loan is no exception – you’ll want to be as organised as possible when it comes to fulfilling all the requirements and having the paperwork ready for your potential lender to review and approve.
Before you get a car loan
Even before you start the process, get organised by doing some serious budgeting. Work out exactly what you can afford to spend each month on a car loan. It’s really important that you don’t stretch yourself financially and that you only borrow what you can afford to pay back.
Do your calculations and be realistic. Accurately write down what you spend each month and what comes into your bank account. Figure out how you’ll make car loan repayments and think about setting up a direct debit from your bank account to do so.
Getting car loan
It’s a good thing to find out exactly what documents your lender requires for your specific car loan. It’s also worth checking out your credit score if you don’t know it already – this is something that is free and easy to do so make sure you’re aware of it so you can be in the best position possible to get your car loan approved.
Generally, you’ll need most of the following documents:
About You:
·         Driver’s licence
·         Proof of address and Australian residency
·         Bank statements
·         Proof of income
About the car:

·         Registration number of the car
·         Total purchase price of the car
·         Comprehensive car insurance policy
You can help your car loan be approved quicker by supplying all the documents as and when your lender asks for them. It’ll save you a lot of time to gather them altogether at the start of the process in one place so you know exactly where they are once needed.
After your car loan is approved
When your car loan is approved, you’ll need to make sure that you file all the documents carefully in case you need to refer to them and when it comes to renewing the loan or checking repayments.
Think about setting up a direct debit to make repayments automatic from your bank account, or if you’d rather pay it manually each month – set a reminder on your phone or computer, or pencil it into your diary on the correct day.


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